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Loans (Tables) | 6 Months Ended
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Jun. 30, 2020
Loans [Abstract] |
Composition of Loan Portfolio |
|  | June 30, 2020
|  | Non-PCD |  | PCD |  | Total
|  | (In thousands)
Commercial loans: |  |  |  |  |  |  |  |  |
Commercial secured by real estate |  | $ | 857,552 |  | $ | 270,555 |  | $ | 1,128,107
Other commercial and industrial |  |  | 735,511 |  |  | 115,234 |  |  | 850,745
Commercial Paycheck Protection Program (PPP Loans) |  |  | 278,059 |  |  | - |  |  | 278,059
US Loan Program |  |  | 325,358 |  |  | - |  |  | 325,358
|  |  | 2,196,480 |  |  | 385,789 |  |  | 2,582,269
Mortgage |  |  | 874,292 |  |  | 1,541,902 |  |  | 2,416,194
Consumer |  |  |  |  |  |  |  |  |
Personal loans |  |  | 344,568 |  |  | 2,456 |  |  | 347,024
Credit lines |  |  | 48,826 |  |  | 489 |  |  | 49,315
Credit cards |  |  | 65,198 |  |  | - |  |  | 65,198
Overdraft |  |  | 116 |  |  | - |  |  | 116
Auto |  |  | 1,454,987 |  |  | 37,409 |  |  | 1,492,396
|  |  | 1,913,695 |  |  | 40,354 |  |  | 1,954,049
|  |  | 4,984,467 |  |  | 1,968,045 |  |  | 6,952,512
Allowance for credit losses |  |  | (151,531) |  |  | (81,170) |  |  | (232,701)
Total loans held for investment |  |  | 4,832,936 |  |  | 1,886,875 |  |  | 6,719,811
Mortgage loans held for sale |  |  | 19,432 |  |  | - |  |  | 19,432
Total loans, net |  | $ | 4,852,368 |  | $ | 1,886,875 |  | $ | 6,739,243
Aging of Recorded Investment in Gross Loans |
| June 30, 2020
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Loans 90+
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Days Past
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Due and
| 30-59 Days |  | 60-89 Days |  | 90+ Days |  | Total Past |  |  |  |  |  | Still
| Past Due |  | Past Due |  | Past Due |  | Due |  | Current |  | Total Loans |  | Accruing
| (In thousands)
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial secured by real estate | $ | 4,052 |  | $ | 1,446 |  | $ | 24,748 |  | $ | 30,246 |  | $ | 827,306 |  | $ | 857,552 |  | $ | -
Other commercial and industrial |  | 824 |  |  | 1,382 |  |  | 5,803 |  |  | 8,009 |  |  | 1,005,561 |  |  | 1,013,570 |  |  | -
US Loan Program |  | - |  |  | - |  |  | - |  |  | - |  |  | 325,358 |  |  | 325,358 |  |  | -
|  | 4,876 |  |  | 2,828 |  |  | 30,551 |  |  | 38,255 |  |  | 2,158,225 |  |  | 2,196,480 |  |  | -
Mortgage |  | 5,413 |  |  | 10,253 |  |  | 100,143 |  |  | 115,809 |  |  | 758,483 |  |  | 874,292 |  |  | 1,704
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Personal loans |  | 7,829 |  |  | 3,316 |  |  | 1,350 |  |  | 12,495 |  |  | 332,073 |  |  | 344,568 |  |  | -
Credit lines |  | 1,480 |  |  | 994 |  |  | 818 |  |  | 3,292 |  |  | 45,534 |  |  | 48,826 |  |  | -
Credit cards |  | 1,256 |  |  | 3,374 |  |  | 2,372 |  |  | 7,002 |  |  | 58,196 |  |  | 65,198 |  |  | -
Overdraft |  | - |  |  | - |  |  | - |  |  | - |  |  | 116 |  |  | 116 |  |  | -
Auto |  | 51,255 |  |  | 38,570 |  |  | 10,200 |  |  | 100,025 |  |  | 1,354,962 |  |  | 1,454,987 |  |  | -
|  | 61,820 |  |  | 46,254 |  |  | 14,740 |  |  | 122,814 |  |  | 1,790,881 |  |  | 1,913,695 |  |  | -
Total loans | $ | 72,109 |  | $ | 59,335 |  | $ | 145,434 |  | $ | 276,878 |  | $ | 4,707,589 |  | $ | 4,984,467 |  | $ | 1,704
| December 31, 2019
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Loans 90+
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Days Past
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Due and
| 30-59 Days |  | 60-89 Days |  | 90+ Days |  | Total Past |  |  |  |  |  | Still
| Past Due |  | Past Due |  | Past Due |  | Due |  | Current |  | Total Loans |  | Accruing
| (In thousands)
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial secured by real estate | $ | 994 |  | $ | 946 |  | $ | 17,495 |  | $ | 19,435 |  | $ | 847,271 |  | $ | 866,706 |  | $ | -
Other commercial and industrial |  | 7,584 |  |  | 371 |  |  | 2,716 |  |  | 10,671 |  |  | 712,855 |  |  | 723,526 |  |  | -
US Loan Program |  | - |  |  | - |  |  | - |  |  | - |  |  | 272,595 |  |  | 272,595 |  |  | -
|  | 8,578 |  |  | 1,317 |  |  | 20,211 |  |  | 30,106 |  |  | 1,832,721 |  |  | 1,862,827 |  |  | -
Mortgage |  | 9,285 |  |  | 13,105 |  |  | 94,109 |  |  | 116,499 |  |  | 783,096 |  |  | 899,595 |  |  | 2,418
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Personal loans |  | 4,978 |  |  | 2,123 |  |  | 1,579 |  |  | 8,680 |  |  | 358,477 |  |  | 367,157 |  |  | -
Credit lines |  | 533 |  |  | 20 |  |  | 221 |  |  | 774 |  |  | 51,840 |  |  | 52,614 |  |  | -
Credit cards |  | 1,438 |  |  | 417 |  |  | 896 |  |  | 2,751 |  |  | 72,451 |  |  | 75,202 |  |  | -
Overdraft |  | 51 |  |  | - |  |  | - |  |  | 51 |  |  | 165 |  |  | 216 |  |  | -
Auto |  | 72,336 |  |  | 31,412 |  |  | 14,270 |  |  | 118,018 |  |  | 1,350,864 |  |  | 1,468,882 |  |  | -
|  | 79,336 |  |  | 33,972 |  |  | 16,966 |  |  | 130,274 |  |  | 1,833,797 |  |  | 1,964,071 |  |  | -
Total loans | $ | 97,199 |  | $ | 48,394 |  | $ | 131,286 |  | $ | 276,879 |  | $ | 4,449,614 |  | $ | 4,726,493 |  | $ | 2,418
Acquired Loans With Deteriorated Credit Quality |
| December 31, 2019
|  | Scotiabank PR & USVI |  |  | BBVAPR |  |  | Eurobank
| (In thousands)
Contractual required payments receivable: | $ | 2,147,249 |  | $ | 1,086,367 |  | $ | 117,107
Less: Non-accretable discount |  | 294,424 |  |  | 340,466 |  |  | 4,285
Cash expected to be collected |  | 1,852,825 |  |  | 745,901 |  |  | 112,822
Less: Accretable yield |  | 458,885 |  |  | 214,886 |  |  | 34,441
Carrying amount, gross |  | 1,393,940 |  |  | 531,015 |  |  | 78,381
Less: allowance for loan and lease losses |  | - |  |  | 17,036 |  |  | 14,458
Carrying amount, net | $ | 1,393,940 |  | $ | 513,979 |  | $ | 63,923
Accretable Yield and Non-Accretable Discount Activity |
| Quarter Ended June 30, 2019
| Mortgage |  | Commercial |  | Auto |  | Consumer |  | Total
| (In thousands)
Accretable Yield Activity: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at beginning of period | $ | 226,907 |  | $ | 37,379 |  | $ | 180 |  | $ | 427 |  | $ | 264,893
Accretion |  | (6,115) |  |  | (2,488) |  |  | (139) |  |  | (190) |  |  | (8,932)
Change in expected cash flows |  | - |  |  | 1,375 |  |  | 8 |  |  | 190 |  |  | 1,573
Transfer from (to) non-accretable discount |  | (3,243) |  |  | (1,628) |  |  | (6) |  |  | (139) |  |  | (5,016)
Balance at end of period | $ | 217,549 |  | $ | 34,638 |  | $ | 43 |  | $ | 288 |  | $ | 252,518
Non-Accretable Discount Activity: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at beginning of period | $ | 290,100 |  | $ | 9,911 |  | $ | 24,056 |  | $ | 18,835 |  | $ | 342,902
Change in actual and expected losses |  | (1,085) |  |  | (635) |  |  | 21 |  |  | (164) |  |  | (1,863)
Transfer (to) from accretable yield |  | 3,243 |  |  | 1,628 |  |  | 6 |  |  | 139 |  |  | 5,016
Balance at end of period | $ | 292,258 |  | $ | 10,904 |  | $ | 24,083 |  | $ | 18,810 |  | $ | 346,055
| Six-Month Period Ended June 30, 2019
| Mortgage |  | Commercial |  | Auto |  | Consumer |  | Total
| (In thousands)
Accretable Yield Activity: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at beginning of period | $ | 232,199 |  | $ | 36,508 |  | $ | 243 |  | $ | 560 |  | $ | 269,510
Accretion |  | (12,465) |  |  | (5,144) |  |  | (355) |  |  | (488) |  |  | (18,452)
Change in expected cash flows |  | - |  |  | 4,640 |  |  | 11 |  |  | 488 |  |  | 5,139
Transfer from (to) non-accretable discount |  | (2,185) |  |  | (1,366) |  |  | 144 |  |  | (272) |  |  | (3,679)
Balance at end of period | $ | 217,549 |  | $ | 34,638 |  | $ | 43 |  | $ | 288 |  | $ | 252,518
Non-Accretable Discount Activity: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at beginning of period | $ | 291,887 |  | $ | 10,346 |  | $ | 24,245 |  | $ | 18,945 |  | $ | 345,423
Change in actual and expected losses |  | (1,814) |  |  | (808) |  |  | (18) |  |  | (407) |  |  | (3,047)
Transfer (to) from accretable yield |  | 2,185 |  |  | 1,366 |  |  | (144) |  |  | 272 |  |  | 3,679
Balance at end of period | $ | 292,258 |  | $ | 10,904 |  | $ | 24,083 |  | $ | 18,810 |  | $ | 346,055
Accretable Yield and Non-Accretable Discount Activity of Acquired Eurobank Loans |
| Quarter Ended June 30, 2019
| Mortgage |  | Commercial |  | Leasing |  | Consumer |  | Total
| (In thousands)
Accretable Yield Activity: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at beginning of period | $ | 37,022 |  | $ | 2,260 |  |  | - |  | $ | - |  | $ | 39,282
Accretion |  | (1,280) |  |  | (1,199) |  |  | (3) |  |  | (17) |  |  | (2,499)
Change in expected cash flows |  | 30 |  |  | 910 |  |  | (10) |  |  | 31 |  |  | 961
Transfer from (to) non-accretable discount |  | 766 |  |  | (115) |  |  | 13 |  |  | (14) |  |  | 650
Balance at end of period | $ | 36,538 |  | $ | 1,856 |  | $ | - |  | $ | - |  | $ | 38,394
Non-Accretable Discount Activity: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at beginning of period | $ | 2,426 |  | $ | - |  | $ | - |  | $ | 116 |  | $ | 2,542
Change in actual and expected losses |  | 21 |  |  | 159 |  |  | 13 |  |  | (12) |  |  | 181
Transfer (to) from accretable yield |  | (766) |  |  | (159) |  |  | (13) |  |  | 14 |  |  | (924)
Balance at end of period | $ | 1,681 |  | $ | - |  | $ | - |  | $ | 118 |  | $ | 1,799
| Six-Month Period Ended June 30, 2019
| Mortgage |  | Commercial |  | Leasing |  | Consumer |  | Total
| (In thousands)
Accretable Yield Activity: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at beginning of period | $ | 38,389 |  | $ | 3,310 |  |  | - |  | $ | - |  | $ | 41,699
Accretion |  | (2,631) |  |  | (2,364) |  |  | (15) |  |  | (63) |  |  | (5,073)
Change in expected cash flows |  | (393) |  |  | 866 |  |  | (41) |  |  | 118 |  |  | 550
Transfer from (to) non-accretable discount |  | 1,173 |  |  | 44 |  |  | 56 |  |  | (55) |  |  | 1,218
Balance at end of period | $ | 36,538 |  | $ | 1,856 |  | $ | - |  | $ | - |  | $ | 38,394
Non-Accretable Discount Activity: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at beginning of period | $ | 2,826 |  | $ | - |  | $ | - |  | $ | 133 |  | $ | 2,959
Change in actual and expected losses |  | 28 |  |  | 44 |  |  | 56 |  |  | (70) |  |  | 58
Transfer (to) from accretable yield |  | (1,173) |  |  | (44) |  |  | (56) |  |  | 55 |  |  | (1,218)
Balance at end of period | $ | 1,681 |  | $ | - |  | $ | - |  | $ | 118 |  | $ | 1,799
Investment in Loans on Non-Accrual Status |
| June 30, 2020
| Nonaccrual with |  | Nonaccrual with no
| Allowance |  | Allowance
| for Credit Loss |  | for Credit Loss
| (In thousands)
Non-PCD: |  |  |  |  |
Commercial |  |  |  |  |
Commercial secured by real estate | $ | 11,092 |  | $ | 26,850
Other commercial and industrial |  | 3,056 |  |  | 3,191
|  | 14,148 |  |  | 30,041
Mortgage |  | 18,142 |  |  | 8,739
Consumer |  |  |  |  |
Personal loans |  | 1,167 |  |  | 570
Personal lines of credit |  | 823 |  |  | -
Credit cards |  | 2,373 |  |  | -
Auto and leasing |  | 10,540 |  |  | -
|  | 14,903 |  |  | 570
Total non-accrual loans | $ | 47,193 |  | $ | 39,350
PCD: |  |  |  |  |
Commercial |  |  |  |  |
Commercial secured by real estate | $ | 12,188 |  | $ | 3,077
Other commercial and industrial |  | 65,797 |  |  | -
|  | 77,985 |  |  | 3,077
Mortgage |  | 1,375 |  |  | -
Consumer |  |  |  |  |
Personal loans |  | 12 |  |  | -
|  | 12 |  |  | -
Total non-accrual loans | $ | 79,372 |  | $ | 3,077
| December 31,
| 2019
| (In thousands)
Commercial |  |
Commercial secured by real estate | $ | 32,720
Other commercial and industrial |  | 9,886
|  | 42,606
Mortgage |  | 18,735
Consumer |  |
Personal loans |  | 4,164
Personal lines of credit |  | 227
Credit cards |  | 896
Auto and leasing |  | 14,295
|  | 19,582
Total non-accrual loans | $ | 80,923
TDR Pre/Post Modifications And Rolling Twelve Months |
| Quarter Ended June 30, 2020
| Number of contracts |  | Pre-Modification Outstanding Recorded Investment |  | Pre-Modification Weighted Average Rate |  | Pre-Modification Weighted Average Term (in Months) |  | Post-Modification Outstanding Recorded Investment |  | Post-Modification Weighted Average Rate |  | Post-Modification Weighted Average Term (in Months)
| (Dollars in thousands)
Consumer | 1 |  |  | 21 |  | 5.99% |  | 60 |  |  | 20 |  | 6.50% |  | 72
| Six-Month Period Ended June 30, 2020
| Number of contracts |  | Pre-Modification Outstanding Recorded Investment |  | Pre-Modification Weighted Average Rate |  | Pre-Modification Weighted Average Term (in Months) |  | Post-Modification Outstanding Recorded Investment |  | Post-Modification Weighted Average Rate |  | Post-Modification Weighted Average Term (in Months)
| (Dollars in thousands)
Mortgage | 26 |  | $ | 3,093 |  | 5.14% |  | 359 |  | $ | 3,046 |  | 4.29% |  | 360
Commercial | 1 |  |  | 281 |  | 8.00% |  | 105 |  |  | 281 |  | 6.00% |  | 240
Consumer | 16 |  |  | 220 |  | 12.95% |  | 67 |  |  | 225 |  | 10.63% |  | 81
| Quarter Ended June 30, 2019
| Number of contracts |  | Pre-Modification Outstanding Recorded Investment |  | Pre-Modification Weighted Average Rate |  | Pre-Modification Weighted Average Term (in Months) |  | Post-Modification Outstanding Recorded Investment |  | Post-Modification Weighted Average Rate |  | Post-Modification Weighted Average Term (in Months)
| (Dollars in thousands)
Mortgage | 50 |  | $ | 7,000 |  | 6.14% |  | 388 |  | $ | 6,345 |  | 5.45% |  | 341
Commercial | 1 |  |  | 1,157 |  | 7.00% |  | 55 |  |  | 1,157 |  | 5.75% |  | 86
Consumer | 70 |  |  | 1,052 |  | 15.57% |  | 69 |  |  | 1,082 |  | 11.56% |  | 74
Auto | 13 |  |  | 193 |  | 7.58% |  | 70 |  |  | 200 |  | 9.18% |  | 46
| Six-Month Period Ended June 30, 2019
| Number of contracts |  | Pre-Modification Outstanding Recorded Investment |  | Pre-Modification Weighted Average Rate |  | Pre-Modification Weighted Average Term (in Months) |  | Post-Modification Outstanding Recorded Investment |  | Post-Modification Weighted Average Rate |  | Post-Modification Weighted Average Term (in Months)
| (Dollars in thousands)
Mortgage | 88 |  |  | 11,494 |  | 5.90% |  | 388 |  | $ | 10,586 |  | 5.11% |  | 346
Commercial | 2 |  |  | 1,164 |  | 7.03% |  | 55 |  |  | 1,164 |  | 5.78% |  | 86
Consumer | 141 |  |  | 2,015 |  | 15.39% |  | 67 |  |  | 2,049 |  | 1.70% |  | 74
Auto | 13 |  |  | 193 |  | 7.58% |  | 70 |  |  | 200 |  | 9.18% |  | 46
| Twelve-month Period Ended June 30,
| 2020 |  |  | 2019
| Number of Contracts |  | Recorded Investment |  |  | Number of Contracts |  | Recorded Investment
| (Dollars in thousands)
Mortgage | 17 |  | $ | 2,267 |  |  | 22 |  | $ | 2,830
Commercial | - |  | $ | - |  |  | 3 |  | $ | 1,935
Consumer | 90 |  | $ | 1,231 |  |  | 66 |  | $ | 928
Auto | 3 |  | $ | 32 |  |  | 1 |  | $ | 27
Aging of the Amortized Cost of Collateral-Dependent Loans Held For Investment |
| June 30, 2020
| Real Estate |  | Equipment |  | Total
| (In thousands)
Commercial loans: |  |  |  |  |  |  |  |
Commercial secured by real estate | $ | 29,656 |  | $ | - |  | $ | 29,656
Other commercial and industrial |  | 3,108 |  |  | - |  |  | 3,108
Total loans | $ | 32,764 |  | $ | - |  | $ | 32,764
Credit Quality Indicators of Loans |
| Term Loans |  | Revolving |  |  |
| Amortized Cost Basis by Origination Year |  | Loans |  |  |
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Amortized |  |
| 2020 |  | 2019 |  | 2018 |  | 2017 |  | 2016 |  | Prior |  | Cost Basis |  | Total
| (In thousands)
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loan grade: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 28,681 |  | $ | 128,098 |  | $ | 123,096 |  | $ | 89,243 |  | $ | 61,494 |  | $ | 266,311 |  | $ | 57,162 |  | $ | 754,085
Special Mention |  | 10,218 |  |  | 3,065 |  |  | 2,109 |  |  | 17,481 |  |  | 115 |  |  | 22,188 |  |  | 1,539 |  |  | 56,715
Substandard |  | - |  |  | 338 |  |  | 893 |  |  | 8,644 |  |  | 609 |  |  | 27,376 |  |  | 8,859 |  |  | 46,719
Doubtful |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 33 |  |  | 33
Loss |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Total commercial secured by real estate |  | 38,899 |  |  | 131,501 |  |  | 126,098 |  |  | 115,368 |  |  | 62,218 |  |  | 315,875 |  |  | 67,593 |  |  | 857,552
Other commercial and industrial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loan grade: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 288,156 |  |  | 104,225 |  |  | 100,426 |  |  | 16,379 |  |  | 9,764 |  |  | 81,412 |  |  | 397,183 |  |  | 997,545
Special Mention |  | - |  |  | 59 |  |  | - |  |  | - |  |  | 6 |  |  | 5,726 |  |  | 3,286 |  |  | 9,077
Substandard |  | - |  |  | 811 |  |  | 32 |  |  | 219 |  |  | 2,952 |  |  | 106 |  |  | 2,756 |  |  | 6,876
Doubtful |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 72 |  |  | 72
Loss |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Total other commercial and industrial: |  | 288,156 |  |  | 105,095 |  |  | 100,458 |  |  | 16,598 |  |  | 12,722 |  |  | 87,244 |  |  | 403,297 |  |  | 1,013,570
US Loan Program: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loan grade: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 47,733 |  |  | 67,272 |  |  | 118,108 |  |  | 7,211 |  |  | - |  |  | - |  |  | 44,478 |  |  | 284,802
Special Mention |  | - |  |  | - |  |  | 35,973 |  |  | - |  |  | - |  |  | - |  |  | 1,250 |  |  | 37,223
Substandard |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 3,333 |  |  | 3,333
Doubtful |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Loss |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Total US loan program: |  | 47,733 |  |  | 67,272 |  |  | 154,081 |  |  | 7,211 |  |  | - |  |  | - |  |  | 49,061 |  |  | 325,358
Total commercial loans | $ | 374,788 |  | $ | 303,868 |  | $ | 380,637 |  | $ | 139,177 |  | $ | 74,940 |  | $ | 403,119 |  | $ | 519,951 |  | $ | 2,196,480
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Revolving Loans |  |  |
| Term Loans |  | Revolving |  | Converted to |  |  |
| Amortized Cost Basis by Origination Year |  | Loans |  | Term Loans |  |  |
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Amortized |  | Amortized |  |
| 2020 |  | 2019 |  | 2018 |  | 2017 |  | 2016 |  | Prior |  | Cost Basis |  | Cost Basis |  | Total
| (In thousands)
Mortgage: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment performance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing | $ | 704 |  | $ | 22,423 |  | $ | 34,414 |  | $ | 36,355 |  | $ | 42,626 |  | $ | 707,282 |  | $ | - |  | $ | - |  | $ | 843,804
Nonperforming |  | - |  |  | 150 |  |  | - |  |  | 190 |  |  | 566 |  |  | 29,582 |  |  | - |  |  | - |  |  | 30,488
Total mortgage loans: |  | 704 |  |  | 22,573 |  |  | 34,414 |  |  | 36,545 |  |  | 43,192 |  |  | 736,864 |  |  | - |  |  | - |  |  | 874,292
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Personal loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment performance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | 51,866 |  |  | 143,803 |  |  | 75,192 |  |  | 39,144 |  |  | 20,273 |  |  | 12,552 |  |  | - |  |  | - |  |  | 342,830
Nonperforming |  | 184 |  |  | 336 |  |  | 472 |  |  | 124 |  |  | 116 |  |  | 506 |  |  | - |  |  | - |  |  | 1,738
Total personal loans |  | 52,050 |  |  | 144,139 |  |  | 75,664 |  |  | 39,268 |  |  | 20,389 |  |  | 13,058 |  |  | - |  |  | - |  |  | 344,568
Credit lines: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment performance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 48,003 |  |  | - |  |  | 48,003
Nonperforming |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 823 |  |  | - |  |  | 823
Total credit lines |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 48,826 |  |  | - |  |  | 48,826
Credit cards: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment performance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 62,825 |  |  | - |  |  | 62,825
Nonperforming |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 2,373 |  |  | - |  |  | 2,373
Total credit cards |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 65,198 |  |  | - |  |  | 65,198
Overdrafts: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment performance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 116 |  |  | - |  |  | 116
Nonperforming |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Total overdrafts |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 116 |  |  | - |  |  | 116
Total consumer loans |  | 52,050 |  |  | 144,139 |  |  | 75,664 |  |  | 39,268 |  |  | 20,389 |  |  | 13,058 |  |  | 114,140 |  |  | - |  |  | 458,708
Total mortgage and consumer loans | $ | 52,754 |  | $ | 166,712 |  | $ | 110,078 |  | $ | 75,813 |  | $ | 63,581 |  | $ | 749,922 |  | $ | 114,140 |  | $ | - |  | $ | 1,333,000
| Term Loans |  |  |
| Amortized Cost Basis by Origination Year |  |  |
| 2020 |  | 2019 |  | 2018 |  | 2017 |  | 2016 |  | Prior |  | Total
| (In thousands)
Auto: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
FICO score: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
1-660 |  | 41,285 |  |  | 151,696 |  |  | 131,984 |  |  | 78,483 |  |  | 44,457 |  |  | 41,277 |  |  | 489,182
661-699 |  | 22,439 |  |  | 94,226 |  |  | 61,715 |  |  | 31,054 |  |  | 17,607 |  |  | 16,402 |  |  | 243,443
700+ |  | 50,281 |  |  | 204,107 |  |  | 187,230 |  |  | 101,256 |  |  | 57,571 |  |  | 53,383 |  |  | 653,828
No FICO |  | 9,851 |  |  | 37,871 |  |  | 8,883 |  |  | 5,704 |  |  | 3,391 |  |  | 2,834 |  |  | 68,534
Total auto: | $ | 123,856 |  | $ | 487,900 |  | $ | 389,812 |  | $ | 216,497 |  | $ | 123,026 |  | $ | 113,896 |  | $ | 1,454,987
| December 31, 2019
| Loan Grades
| Balance |  |  |  |  | Special |  |  |  |  |  |  |  |
| Outstanding |  | Pass |  | Mention |  | Substandard |  | Doubtful |  | Loss
| (In thousands)
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial secured by real estate | $ | 866,706 |  | $ | 762,443 |  | $ | 55,870 |  | $ | 48,357 |  | $ | 36 |  | $ | -
Other commercial and industrial |  | 723,526 |  |  | 706,831 |  |  | 6,634 |  |  | 9,960 |  |  | 101 |  |  | -
US Loan Program |  | 272,595 |  |  | 262,745 |  |  | 9,850 |  |  | - |  |  | - |  |  | -
Total Commercial | $ | 1,862,827 |  | $ | 1,732,019 |  | $ | 72,354 |  | $ | 58,317 |  | $ | 137 |  | $ | -
| December 31, 2019
| Loan Grades
| Balance |  |  |  |  | Special |  |  |  |  |  |  |  |
| Outstanding |  | Pass |  | Mention |  | Substandard |  | Doubtful |  | Loss
Retail |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Mortgage | $ | 899,595 |  | $ | 805,486 |  | $ | - |  | $ | 94,109 |  | $ | - |  | $ | -
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Personal loans |  | 367,157 |  |  | 365,579 |  |  | - |  |  | 1,578 |  |  | - |  |  | -
Personal lines of credit |  | 52,614 |  |  | 52,393 |  |  | - |  |  | 221 |  |  | - |  |  | -
Credit cards |  | 75,202 |  |  | 74,306 |  |  | - |  |  | 896 |  |  | - |  |  | -
Overdrafts |  | 216 |  |  | 165 |  |  | - |  |  | 51 |  |  | - |  |  | -
Auto |  | 1,468,882 |  |  | 1,454,612 |  |  | - |  |  | 14,270 |  |  | - |  |  | -
Total consumer loans |  | 1,964,071 |  |  | 1,947,055 |  |  | - |  |  | 17,016 |  |  | - |  |  | -
Total retail loans | $ | 2,863,666 |  | $ | 2,752,541 |  | $ | - |  | $ | 111,125 |  | $ | - |  | $ | -

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